Not all mortgage brokers are created equal. Our holistic approach to lending, accounting and financial planning means we bridge the gap
in the client experience, eliminating the frustration from delays that are often inevitable with multiple stakeholders involved in the
lending process.
Our mortgage brokers offer the advantage of having of an accounting background, meaning we’re looking at your figures with a strategic mind. We will ask you more questions and we’ll go deeper in our process.
Why? So that you end up with a loan that offers longevity, minimising the need to refinance again in a short time frame - avoiding a
stressful and often costly exercise on both your time and money.
SMSF Lending
Investment Properties
Refinancing
Commercial Lending
Bridging Loans
Loan Negotiations
Pre-Approvals
Construction Loans
Debt Consolidation
Land Purchasing
Equipment Finance
I want to buy a home
Buying a home can be highly emotional. It's exciting, stressful, joyful and sometimes frustrating. We aim to minimise the negative emotions, so you can focus on the positives, by offering our holistic approach to lending.
I want to build a home
Building a home involves a different approach to lending. It's a bigger risk for lenders and requires more skilled, more strategic mortgage brokers who understand the issues and can mitigate them. We know how.
I want to buy an investment
Property investment can offer a solid return on investment. Our expert team are skilled at investment loans, including complex SMSF lending, offering the foresight of accounting & financial planning.
I want to refinance
Any mortgage broker can refinance. Our difference is to get to know you, your goals and your longer term plans better so we can advise on a loan with longevity, minimising your time and efforts to get what you need.
Our holistic approach to taxation, accounting and financial planning means we bridge the gap in the client experience, eliminating the frustration from delays that are often inevitable with multiple stakeholders involved in the lending process.
We invite you to book a Complimentary 15-Min Discovery Meeting with our lending team.
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Shannon Smit, Credit Representative Number 533133 is a credit representative of SMART Business
Solutions Mortgage & Lending Pty Ltd (Authorised Credit Representative 527754, ACN 611 647 922). Authorised under outsource Financial
Pty Ltd, Australian Credit Licence 384324. |
Put simply, our mortgage broker advisory can take the time and hassle out of hunting around for the right home loan ensuring we take into consideration your entire financial picture ensuring a better outcome for you.
Get the latest updates on lending and property.
Debt consolidation works best when the new loan has a genuinely lower interest rate and a reasonable term.
It’s human nature to make decisions based on how something makes us feel — but property investing is not the time for sentimentality.
Regional Australia remains an attractive option for capital city residents, with 26 per cent more people relocating to regional areas.
Traditionally, a 20% deposit is considered the safe minimum by lenders because it reduces their risk. Borrowers with less than 20% usually need to pay Lenders Mortgage Insurance (LMI).
The scheme enables eligible buyers to purchase a home with as little as a 5% deposit, while avoiding lenders’ mortgage insurance (LMI).
Equipment finance can be a huge boost for business growth, especially in certain industries. However, managing the world of equipment loans isn't always straightforward.
Choosing the right business loan for you and your business can be complex, especially when juggling multiple providers, structures, and repayment options.
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The short answer is no. Many lenders offer no-deposit car loans, which means you can borrow the full value of the vehicle.
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Australian housing values are gaining momentum with falling interest rates driving renewed growth in the property market.
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Investing in property isn’t just about mortgage repayments. There are significant upfront and ongoing costs to consider.
Low-doc loans are a practical solution when tax returns or full financial statements aren’t available.
The Australian business landscape is expanding, signalling a potentially strong future for commercial property markets.
Australia's commercial property market is showing signs of recovery after a challenging period, with tentative growth expected throughout 2025 and stronger performance anticipated in 2026.
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Property prices have surged in several markets since the Reserve Bank of Australia's first interest rate cut in February.
A personal loan can help improve your credit score if managed properly. Regular, on-time repayments show lenders you can handle debt responsibly.
Investors now represent a substantial portion of new lending, approaching record highs in some smaller states and reaching levels nationally
Familiarise yourself with auction rules and terminology. Understand how vendor bids work, and clarify all sale terms before auction day.
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The Australian office market is showing encouraging signs of recovery in 2025.
A cash flow forecast for the year ahead will help you anticipate slow periods, identify upcoming expenses, and plan for investment opportunities.
Planning ahead can prevent surprise tax bills and smooth out your cash flow.
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Struggling with loan repayments? Discover the truth about financial hardship arrangements, how they impact your credit, and the proactive steps you can take to regain control.
A business line of credit can help cover operational expenses like wages, rent, and stock.
A business loan can provide the working capital needed to cover short-term expenses like wages, rent, supplier invoices, or utility bills, without disrupting day-to-day operations.
Large format retail (LFR) continues to stand out as an investment class across Australia's commercial market, with strong yields compared to other assets
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The commercial property market is showing signs of recovery after a challenging two-and-a-half-year period of declining valuations.
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One of the biggest benefits of debt consolidation is the potential to reduce how much interest you’re paying.
Lenders assess defaults on a case-by-case basis. What’s most important is the context surrounding the default and how your financial situation has changed since.
Some lenders will assess your income using Australian tax rates, even if you're living in a country with lower tax obligations.
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